Cash-out refinancing lenders in Los Angeles County
23,587 cash-out refinancing mortgages were made in Los Angeles County, California, in 2025, by 498 lenders. The median rate their borrowers got was 7.375% on a median loan of $335,000. Of 34,219 decisions, 8,837 were denials — 25.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 3,004 | 8.250% | $165,000 | 23.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,290 | 7.748% | $295,000 | 25.1% |
| AMWEST FUNDING CORP. | 1,026 | 9.000% | $355,000 | 9.9% |
| OCMBC, INC. | 892 | 7.375% | $435,000 | 6.7% |
| SCHOOLSFIRST | 853 | 6.740% | $185,000 | 13.0% |
| JPMorgan Chase Bank, National Association | 826 | 6.070% | $1,005,000 | 13.8% |
| CAKE MORTGAGE CORP. | 722 | 8.625% | $525,000 | 5.2% |
| LOGIX FEDERAL CREDIT UNION | 620 | 6.490% | $165,000 | 21.1% |
| KINECTA | 521 | 6.740% | $205,000 | 9.2% |
| NEWREZ LLC | 397 | 8.000% | $125,000 | 57.7% |
| Loandepot.Com, LLC | 357 | 7.625% | $225,000 | 30.6% |
| U.S. Bank National Association | 313 | 8.050% | $255,000 | 40.4% |
| PENNYMAC LOAN SERVICES, LLC | 264 | 6.875% | $395,000 | 27.0% |
| AmeriSave Mortgage Corporation | 258 | 8.750% | $115,000 | 73.9% |
| Hometown Equity Mortgage, LLC | 258 | 7.375% | $475,000 | 48.5% |
| VISTA POINT MORTGAGE, LLC | 256 | 8.750% | $305,000 | 21.0% |
| FlexPoint, Inc. | 212 | 8.000% | $410,000 | 1.7% |
| Commerce Home Mortgage, Inc. | 212 | 7.375% | $910,000 | 21.4% |
| Broker Solutions, Inc. | 210 | 7.563% | $310,000 | 21.5% |
| ROYAL PACIFIC FUNDING CORP. | 202 | 6.875% | $545,000 | 4.8% |
| NEXERA HOLDING LLC | 195 | 7.500% | $305,000 | 13.9% |
| Home Mortgage Alliance Corporation (HMAC) | 194 | 9.313% | $255,000 | 29.4% |
| THE LOAN STORE, INC. | 192 | 6.990% | $565,000 | 13.2% |
| QUORUM FEDERAL CREDIT UNION | 190 | 8.375% | $205,000 | 33.6% |
| GoodLeap, LLC | 184 | 7.850% | $105,000 | 25.8% |
| BMO Bank National Association | 169 | 8.430% | $375,000 | 55.0% |
| VAL-CHRIS INVESTMENTS, INC. | 167 | 12.990% | $215,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 158 | 8.937% | $415,000 | 26.6% |
| CHAMPIONS FUNDING, LLC | 152 | 7.875% | $565,000 | 31.1% |
| NEW WAVE LENDING GROUP INC | 150 | 7.000% | $655,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 149 | 7.375% | $605,000 | 37.8% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 147 | 3.990% | $205,000 | 57.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 144 | 7.220% | $455,000 | 7.0% |
| AMERITRUST MORTGAGE CORPORATION | 143 | 7.500% | $615,000 | 10.0% |
| GUARANTEED RATE, INC. | 141 | 6.750% | $605,000 | 18.3% |
| AAA CAPITAL INVESTMENT, INC. | 139 | 7.000% | $545,000 | 4.2% |
| SPRING EQ, LLC | 135 | 8.375% | $175,000 | 58.6% |
| NATIONSTAR MORTGAGE LLC | 135 | 6.500% | $385,000 | 27.1% |
| Citadel Servicing Corporation | 132 | 7.125% | $675,000 | 2.5% |
| Navy Federal Credit Union | 130 | 8.450% | $220,000 | 39.7% |
| KIND LENDING, LLC | 130 | 7.375% | $385,000 | 43.0% |
| East West Bank | 128 | 6.875% | $610,000 | 12.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 125 | 7.000% | $355,000 | 62.9% |
| Wells Fargo Bank, National Association | 122 | 6.500% | $325,000 | 45.1% |
| CMG MORTGAGE, INC. | 121 | 6.990% | $705,000 | 8.9% |
| NORTHROP GRUMMAN Federal Credit Union | 116 | 8.250% | $125,000 | 26.3% |
| Logan Finance Corporation | 116 | 7.124% | $890,000 | 7.1% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 113 | 7.875% | $105,000 | 19.0% |
| ORANGE COUNTY'S CREDIT UNION | 111 | 7.625% | $145,000 | 40.9% |
| FUNDLOANS CAPITAL | 108 | 8.500% | $550,000 | 10.7% |
| FREEDOM MORTGAGE CORPORATION | 107 | 6.375% | $505,000 | 34.7% |
| City National Bank | 105 | 7.850% | $905,000 | 31.8% |
| NMSI, INC. | 105 | 7.000% | $585,000 | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 103 | 6.070% | $2,005,000 | 7.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 102 | 8.145% | $175,000 | 34.6% |
| Bank of America, National Association | 99 | 6.250% | $445,000 | 13.9% |
| NATIONS DIRECT MORTGAGE, LLC | 98 | 7.313% | $500,000 | 16.2% |
| Citibank, National Association | 91 | 7.000% | $385,000 | 27.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 89 | 6.875% | $515,000 | 21.7% |
| COAST 2 COAST FUNDING GROUP, INC. | 86 | 7.500% | $260,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 85 | 6.250% | $505,000 | 26.3% |
| EMET LENDING GROUP, INC. | 85 | 7.375% | $585,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 81 | 9.865% | $505,000 | 2.3% |
| Greenbox Loans, Inc. | 80 | 8.625% | $365,000 | 9.0% |
| CLEAREDGE LENDING LLC | 80 | 7.188% | $995,000 | 24.3% |
| OAKTREE FUNDING CORP. | 79 | 9.000% | $405,000 | 7.1% |
| A&D Mortgage LLC | 78 | 6.933% | $365,000 | 28.3% |
| Financial Partners Credit Union | 77 | 6.250% | $1,275,000 | 22.2% |
| Firefighters First Federal Credit Union | 74 | 8.000% | $175,000 | 12.9% |
| GUILD MORTGAGE COMPANY | 72 | 7.250% | $290,000 | 10.5% |
| PLAZA HOME MORTGAGE, INC. | 72 | 6.625% | $455,000 | 42.0% |
| JMAC LENDING, INC. | 71 | 7.375% | $395,000 | 16.5% |
| Coastal Community Bank | 70 | 9.365% | $105,000 | 0.5% |
| DEEPHAVEN MORTGAGE LLC | 70 | 7.813% | $455,000 | 42.6% |
| EQUITY WAVE LENDING, INC. | 70 | 11.990% | $215,000 | 16.9% |
| Paramount Residential Mortgage Group, Inc. | 67 | 6.990% | $535,000 | 2.9% |
| 254900M2C4Q6DATP2889 | 64 | 6.125% | $505,000 | 41.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 64 | 6.990% | $540,000 | 30.1% |
| CALIFORNIA CREDIT UNION | 64 | 6.375% | $250,000 | 17.7% |
| 549300DLBRGR2O0VNZ96 | 62 | 7.250% | $800,000 | 0.0% |
| THE GOLDEN 1 | 57 | 5.970% | $1,065,000 | 33.0% |
| Equity Prime Mortgage LLC | 55 | 6.250% | $495,000 | 24.7% |
| BAY-VALLEY MORTGAGE GROUP | 52 | 7.625% | $305,000 | 5.5% |
| F&A Federal Credit Union | 49 | 7.000% | $205,000 | 6.9% |
| CAMPOS FINANCIAL CORP. | 48 | 6.875% | $420,000 | 0.0% |
| Flagstar Bank, N.A. | 47 | 6.875% | $375,000 | 39.5% |
| Emporium TPO LLC | 45 | 7.250% | $905,000 | 2.8% |
| AUGUSTA FINANCIAL, INC. | 44 | 7.188% | $385,000 | 0.0% |
| PFN Lending Group, Inc. | 43 | 7.125% | $805,000 | 21.4% |
| JMJ FINANCIAL GROUP | 43 | 7.875% | $415,000 | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 43 | 7.250% | $535,000 | 0.0% |
| Rize Federal Credit Union | 42 | Not published | $155,000 | 32.0% |
| AHL FUNDING | 40 | 7.375% | $465,000 | 2.4% |
| AMERICAN HERITAGE LENDING, LLC | 40 | 7.125% | $535,000 | 12.1% |
| LOS ANGELES POLICE Federal Credit Union | 40 | Not published | $100,000 | 24.5% |
| 9845007CY0EC0F59W414 | 39 | 7.000% | $745,000 | 4.7% |
| BETTER MORTGAGE CORPORATION | 37 | 8.625% | $335,000 | 53.1% |
| ARC HOME LLC | 37 | 7.125% | $725,000 | 22.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 37 | 6.875% | $605,000 | 40.9% |
| Cathay Bank | 37 | 6.250% | $1,155,000 | 2.5% |
| PHH Mortgage Corporation | 36 | 6.625% | $430,000 | 32.1% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 35 | 7.750% | $355,000 | 11.1% |
| LUXURY MORTGAGE CORP. | 34 | 7.250% | $1,005,000 | 14.6% |
| Sierra Pacific Mortgage Company, Inc. | 33 | 6.750% | $375,000 | 7.9% |
| Fidelity Lending Solutions, Inc. | 33 | 7.000% | $855,000 | 2.4% |
| STG MORTGAGE INC | 32 | 6.688% | $575,000 | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 32 | 6.500% | $475,000 | 9.3% |
| I.L.W.U. | 31 | 7.240% | $125,000 | 27.7% |
| Fairway Independent Mortgage Corporation | 31 | 6.625% | $425,000 | 11.4% |
| CONVENTUS LLC | 31 | 9.490% | $1,215,000 | 11.4% |
| GOLDEN EMPIRE MORTGAGE, INC. | 30 | 6.625% | $560,000 | 14.3% |
| ML Mortgage Corp. | 30 | 7.500% | $350,000 | 11.4% |
| General Mortgage Capital Corporation | 30 | 6.625% | $445,000 | 3.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.375% | $405,000 | 58.7% |
| NexBank | 29 | 6.500% | $835,000 | 20.5% |
| MLD MORTGAGE INC. | 29 | 6.875% | $405,000 | 8.8% |
| FRANKLIN LOAN CORPORATION | 27 | 7.000% | $325,000 | 3.3% |
| LENDSURE MORTGAGE CORP. | 27 | 7.375% | $755,000 | 0.0% |
| Charles Schwab Bank, SSB | 27 | 7.250% | $865,000 | 12.9% |
| MOVEMENT MORTGAGE, LLC | 26 | 6.995% | $660,000 | 9.3% |
| GUARANTEED RATE AFFINITY, LLC | 25 | 6.750% | $645,000 | 21.2% |
| LBS FINANCIAL | 25 | 6.375% | $205,000 | 32.4% |
| GENWAY HOME MORTGAGE, INC. | 24 | 7.063% | $525,000 | 53.7% |
| LONG BEACH CITY EMPLOYEES Federal Credit Union | 24 | 7.188% | $155,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 22 | 6.500% | $905,000 | 23.3% |
| Archwest Funding | 22 | 8.715% | $1,860,000 | 5.7% |
| CHRISTIAN COMMUNITY CREDIT UNION | 21 | 7.000% | $155,000 | 0.0% |
| LOWER, LLC | 20 | 7.375% | $385,000 | 36.4% |
| OriginPoint, LLC | 20 | 6.950% | $855,000 | 28.6% |
| 254900CTT87ZKAUTIJ37 | 20 | 11.058% | $1,315,000 | 23.1% |
| 9845005BP6974AE5D838 | 20 | 7.249% | $550,000 | 7.1% |
| Axos Bank | 19 | 7.002% | $1,530,000 | 44.1% |
| EVERETT FINANCIAL, INC. | 17 | 7.500% | $305,000 | 15.0% |
| RESICENTRAL, LLC | 17 | 6.625% | $455,000 | 4.8% |
| 98450058D88OE4463626 | 17 | 6.400% | $685,000 | 0.0% |
| Watermark Capital, Inc. | 17 | 7.125% | $495,000 | 4.8% |
| Insignia Capital Corp. | 17 | 9.750% | $905,000 | 5.6% |
| Pasadena Federal Credit Union | 17 | 7.990% | $105,000 | 10.5% |
| The Federal Savings Bank | 16 | 6.188% | $615,000 | 38.5% |
| 5493002B3S2CIVMYKZ51 | 16 | Not published | $1,305,000 | 20.0% |
| NEW DAY FINANCIAL, LLC | 15 | 6.990% | $505,000 | 83.7% |
| USALLIANCE FEDERAL CREDIT UNION | 15 | 8.000% | $355,000 | 16.7% |
| CERTIFIED CREDIT UNION | 15 | 6.375% | $205,000 | 5.9% |
| Genesis Capital, LLC | 15 | 8.750% | $4,955,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 15 | 7.125% | $395,000 | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 14 | 6.625% | $440,000 | 79.0% |
| MISSION LOANS, LLC | 14 | 6.558% | $420,000 | 13.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.250% | $335,000 | 34.8% |
| NuVision Federal Credit Union | 14 | 6.750% | $380,000 | 6.3% |
| VISION ONE MORTGAGE, INC. | 14 | 6.750% | $395,000 | 26.3% |
| Barrington Bank & Trust Company, National Association | 14 | 6.558% | $555,000 | 0.0% |
| PLANET HOME LENDING, LLC | 14 | 7.938% | $155,000 | 33.3% |
| T. J. FINANCIAL, INC. | 14 | 6.813% | $530,000 | 0.0% |
| Hanmi Bank | 14 | Not published | $635,000 | 12.5% |
| NATIONWIDE EQUITIES CORPORATION | 14 | 8.980% | $780,000 | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 13 | 7.125% | $235,000 | 55.2% |
| WESCOM CENTRAL CREDIT UNION | 13 | 6.625% | $435,000 | 45.8% |
| Zions Bancorporation, N.A. | 13 | 6.750% | $725,000 | 28.0% |
| SUMMIT FUNDING, INC. | 12 | 8.188% | $575,000 | 36.8% |
| 2549005FUF02T1IFCA22 | 12 | 8.938% | $380,000 | 25.0% |
| TECHNICOLOR Federal Credit Union | 12 | Not published | $250,000 | 0.0% |
| Mortgage Research Center, LLC | 11 | 6.250% | $775,000 | 85.1% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 7.875% | $255,000 | 83.0% |
| MORTGAGEONE, INC. | 11 | 6.500% | $605,000 | 35.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.120% | $405,000 | 26.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 11 | 7.750% | $455,000 | 15.4% |
| Synergy One Lending, Inc. | 11 | 7.875% | $405,000 | 15.4% |
| LA Financial Federal Credit Union | 11 | 8.875% | $165,000 | 21.4% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 11 | 6.000% | $735,000 | 35.3% |
| PARTNERS Federal Credit Union | 11 | 5.990% | $555,000 | 8.3% |
| Stifel Bank and Trust | 11 | 5.875% | $1,285,000 | 0.0% |
| UNIVERSITY CREDIT UNION | 10 | 6.484% | $625,000 | 16.7% |
| Los Angeles Federal Credit Union | 10 | 6.813% | $380,000 | 0.0% |
| Baxter Credit Union | 10 | 7.250% | $215,000 | 42.9% |
| Bank of Hope | 10 | 6.375% | $610,000 | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.500% | $495,000 | 23.1% |
| WALL FINANCIAL, INC. | 10 | 6.875% | $400,000 | 0.0% |
| GEO-CORP, INC. | 10 | 6.750% | $575,000 | 23.1% |
| HomeStreet Bank | 10 | 7.750% | $375,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.933% | $330,000 | 0.0% |
| CBC Federal Credit Union | 10 | 8.000% | $250,000 | 9.1% |
| HONDA Federal Credit Union | 10 | 7.250% | $180,000 | 23.1% |
| California Coast Credit Union | 10 | 7.500% | $180,000 | 9.1% |
| Arixa Enhanced Income Fund, L.P. | 10 | 10.745% | $4,005,000 | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 10 | 6.813% | $380,000 | 0.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 59.1% |
| PREMIER AMERICA | 9 | Under 10 loans | Under 10 loans | 52.0% |
| LANTZMAN MANAGEMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 82.9% |
| SOUTHLAND CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 30.8% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SKYONE Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FLYHOMES MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| INTELLILOAN, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SayGO Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 298 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.